Qonto Pricing (2026)
Flat monthly fee per plan rather than per-seat or usage-based — you're paying for account features and transaction allowances, not headcount. Note the quoted rates are the annual-billing equivalent; paying month-to-month bumps the price up, which is a classic lever to nudge commitment.
- Basic
- $9/mo
- Smart Popular
- $19/mo
- Premium
- $39/mo
Keep up with your competitors, without the manual work.
Outmano tracks pricing, features, roadmaps and reviews across your market, then sends one weekly brief: what changed, and what it means for you.
Basic
- Business account with local IBAN
- 30 transfers/month
- 1 physical payment card + 2 virtual cards
- Payment links, Tap to Pay & POS
- Compliant electronic invoicing
- 24/7 customer support
- Qonto AI agent & Claude MCP
Smart
Popular- Account remuneration: 5% AER for 2 months, then 1.25% AER
- 1 sub-account
- 100 transfers/month
- 2 physical payment cards + 50 virtual cards
- Cash-flow tracking & forecasting
- Accountant access & accounting integrations
Premium
- Account remuneration: 5% AER for 2 months, then 1.25% AER
- 4 sub-accounts
- 200 transfers/month
- 2 physical payment cards + 50 virtual cards + 50 Instant cards
- Lower international FX (0.56%)
- Priority support, 7 days a week
- Subscription tracking & renewal alerts
Does Qonto have a free plan?
No. There's no free-forever plan. There is a free trial that lasts 30 days, and paid plans start at $9/mo.
Want free? Airwallex, Brex, and Expensify have free plans: see all Qonto alternatives →
AI Pricing Analysis
Pricing Model
Flat monthly fee per plan rather than per-seat or usage-based — you're paying for account features and transaction allowances, not headcount. Note the quoted rates are the annual-billing equivalent; paying month-to-month bumps the price up, which is a classic lever to nudge commitment.
Tier Strategy
Basic is the bare-bones freelancer plan for someone who just needs a business account and a card. Smart and Premium layer in higher transaction/transfer volumes and more cards, so the upgrade trigger is usually hitting a monthly cap on transfers or needing multiple cards for contractors/subcontractors rather than any team-size threshold — this whole ladder is scoped to solo self-employed users, not squads.
Competitive Positioning
At $9-39/month, Qonto sits in the affordable-to-mid range for neobank/business account tools aimed at freelancers, undercutting legacy business banking and positioning against other European neobanks like Revolut Business. They're clearly chasing self-employed and micro-business owners who find traditional bank fees absurd but still want a polished, feature-rich account.
Growth Lever
Expansion comes from transaction volume and card count, not seats — the paywall gates things like number of free transfers, physical/virtual cards, and probably invoicing or expense tools at higher tiers. Since this is the self-employed track, growth into the separate 'Business teams' pricing is likely the bigger lever once a user starts hiring, which would be a whole different upsell conversation.
Want the strategist's read on the live page? Read the AI teardown of Qonto's pricing page →
Qonto Pricing FAQ
- How much does Qonto cost?
- Paid plans start at $9/mo, going up to $39/mo for larger teams.
- Is there a free plan?
- No free plan. But there is a free trial, so you can test it out before paying.
- Can I try it before paying?
- Yes — there's a free trial that lasts 30 days.
- How does the pricing work?
- Flat monthly fee per plan rather than per-seat or usage-based — you're paying for account features and transaction allowances, not headcount. Note the quoted rates are the annual-billing equivalent; paying month-to-month bumps the price up, which is a classic lever to nudge commitment.
- Is there a discount for annual billing?
- Billed annually pricing shown as monthly equivalent; monthly billing also available.
- Which plan makes sense for me?
- Basic is the bare-bones freelancer plan for someone who just needs a business account and a card. Smart and Premium layer in higher transaction/transfer volumes and more cards, so the upgrade trigger is usually hitting a monthly cap on transfers or needing multiple cards for contractors/subcontractors rather than any team-size threshold — this whole ladder is scoped to solo self-employed users, not squads.
More Finance pricing
All Finance pricing →-
Airwallex Pricing
Global business accounts, payments, and spend management platform.
From $12/mo -
Anrok Pricing
Global sales tax and VAT compliance for SaaS and ecommerce, priced per tax market per month.
From $100/mo -
Avalara Pricing
Sales and use tax compliance software covering calculation, returns filing, and exemption certificates.
See pricing -
Bill.com Pricing
AP and AR automation for SMBs.
From $49/mo -
Brex Pricing
Corporate cards and spend for startups.
From $12/mo -
ChartMogul Pricing
Subscription analytics and CRM.
From $1188/mo Free trial -
Cin7 Pricing
Inventory management for sellers.
From $349/mo Free trial -
Datarails Pricing
FP&A platform that automates financial planning and reporting on top of Excel.
See pricing
Comparing Qonto to something specific? Try Qonto vs Airwallex, Qonto vs Anrok, or Qonto vs Avalara. Or see the best Qonto alternatives, ranked.
Set it up once. Stay ahead all year.
Add the competitors you care about and Outmano does the watching, then hands you a weekly action plan with what to do next.